401 Holmes Dr, Buchanan, MI 49107 Property Records

Berrien County property record for 401 Holmes Dr, Buchanan, MI 49107

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,520 sqft · built 1960
Lot Size	1.04 acres (45,433 sqft)
Owner	Individual Name on Record
Last Sale	$137,500 (Jul 2018)
Tax Bill	$1,905 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-7070-0047-00-3`

Property Details

APN / Parcel Number

Primary APN	`14-7070-0047-00-3`
Alternative APN	`11-14-7070-0047-00-3`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,520 sqft Living Area
1st Floor Area	1,520 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Raised Ranch
Lot Area	45,433 sqft (1.04 acres)
Lot Dimensions	172 ft deep x 265 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 HOLMES DR
City	BUCHANAN
State	MI
Zip	49107-9436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	LOTS 47 & 59,SAMSON TERRACE NO. 2.
Legal Subdivision	SAMSON TERRACE #2
Legal Lot Number	47,59
Jurisdiction	BERRIEN MI
Township / Civil Division	NILES
Census Block Group	3
Census Block	3013
Census Tract	20400

Owner

Source: Berrien County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	401 HOLMES DR, BUCHANAN, MI 49107-9436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CREDIT UNION
Feb 6, 2018	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK
Oct 10, 2017	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jul 24, 2018	Warranty Deed, Transfer · FHA Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2018 · Amount on Record
Deed Sale	Jul 24, 2018 · Amount on Record
Prior Sale	Jul 24, 2018 · Amount on Record
Deed Book / Page	3212 / 1030
Prior Transfer Date	Dec 4, 2008
Prior Transfer Doc	02867/2160
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Recording Date	May 12, 2026
Property Address	401 HOLMES DR, BUCHANAN, MI 49107-9436
Document Number	0000460614
Book / Page	3477 / 666
Instrument Date	May 7, 2026
Instrument	2026460614
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 HOLMES DR, BUCHANAN, MI 49107-9436

Mortgage

Document Number	0000460614,
Date	May 12, 2026
Book Page	3477/666
Instrument	2026460614

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	401 HOLMES DR, BUCHANAN, MI 49107-9436
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03196/2736
Date	Feb 6, 2018
Book Page	3196/2736

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Aug 8, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERRIEN MI
Property Address	401 HOLMES DR, BUCHANAN, MI 49107-9436
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03185/3168
Date	Oct 10, 2017
Book Page	3185/3168
Instrument	3185-3168

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Quarterly

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BERRIEN MI
Recording Date	Jul 24, 2018
Property Address	401 HOLMES DR, BUCHANAN, MI 49107-9436
Document Number	03212/1030
Book / Page	3212 / 1030
Map Reference	LB18 PG40
Instrument Date	Jul 11, 2018
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,182.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 HOLMES DR, BUCHANAN, MI 49107-9436

Mortgage

Document Number	0032121033
Date	Jul 24, 2018
Instrument	3212/1033

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Berrien County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Berrien County
County Subdivision	Niles Township
Unified School District	Buchanan Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$111,900 (+66.52%)	$223,800 (+66.52%)
2025	$1,905.00 (+7.75%)
2023		$67,200	$134,400
2022	$1,768.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

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